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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $74,806 | $70,002+6.9% | $115,038-35.0% | $52,331+42.9% |
| Participation rate | 43.4% | 72.1%-28.7pp | 81.4%-38.0pp | 68.1%-24.7pp |
| Annual return | 3.40% | 4.04%-0.6pp | 26.14%-22.7pp | 4.54%-1.1pp |
| Employer contribution / active EE | $0 | $2,715-100.0% | $4,608-100.0% | $1,882-100.0% |
| Participant deferral / active EE | $6,201 | $4,920+26.0% | $6,026+2.9% | $3,022+105.2% |
| Admin fee / account holder | $11,421 | $566+1917.8% | $8,175+39.7% | $592+1830.6% |